DSCR Rates Just Dropped 0.50% — Now Starting at 5.50%

Big update for rental property investors.

Our DSCR rates just dropped by 0.50%, bringing our new rate floor down to 5.50%.

In today’s environment, that’s not a small adjustment — that’s meaningful.

If you’re buying, refinancing, or considering a cash-out, this move could materially improve your numbers.

What Does a 0.50% Drop Actually Mean?

Let’s keep it simple.

On a $750,000 loan, a half-point rate drop can mean:

  • Lower monthly payment

  • Higher DSCR ratio

  • More leverage eligibility

  • Stronger cash flow

  • Easier qualification

Sometimes that 0.50% is the difference between a deal barely qualifying and comfortably clearing underwriting.

The New Floor: 5.50%

For strong files, our DSCR rates now start at 5.50%.

That opens up opportunities for:

  • Investors who bought in the last 1–2 years at higher rates

  • Buyers currently under contract

  • Owners looking to improve cash flow

  • Investors wanting to increase DSCR cushion

Why This Window Matters

Inventory is still reasonable.
Competition hasn’t fully returned.
Sellers are negotiable.

When rates move down, buyers move in. And when buyers move in, pricing tightens.

The smart play?
Secure the asset now. Improve the rate when it makes sense.

DSCR Program Highlights

  • 1–9 Units (including mixed-use)

  • Up to 85% LTV on SFH

  • 30-year & 40-year options (10-year I/O + 30 fixed available)

  • 50% LTV option for no minimum FICO Borrowers

  • Rural DSCR (SFH, 680+ FICO)

  • Foreign National programs available

Asset-based. No personal tax returns required for DSCR qualification.

Let’s Run the Numbers

If you’re holding a rental at a higher rate, let’s see what this drop does to your payment.

If you’re buying, this 0.50% shift could materially change your DSCR and approval strength.

We can provide same-day soft quotes with a full application.

Call 718-635-2377 or email george@loanfunders.com.

Let’s see if this new 5.50% floor improves your position.

Business-purpose loans only. Not a commitment to lend. Rates, terms, and eligibility subject to change and approval.